(Closed) Seriously?! Some one stole FI's debit card number!!!

posted 6 years ago in Emotional
Post # 3
Member
354 posts
Helper bee
  • Wedding: November 2012

ugh that is soooo awful!!!!  It’s very unlikely that your PD will catch the perosn who did this, especially if you don’t know how/when the card number was stolen, but it is probably a good idea to file a police report anyway.  It may help law enforcement down the line, and it will improve your position with your bank if they are not able to compeletly refund the money to you or if you incur overdraft charges.  

Good luck, I really feel for you guys.  What a nightmare!! 

ETA: I would also have your bank change the bank account number as well as the debit card number if they have not already.  Just as an additional precaution.  Yes, you will then have to update any direct deposits or automatic electronic debits, but it is worthwhile. That is your hard earned money in there!!! 

Post # 4
Member
9482 posts
Buzzing Beekeeper
  • Wedding: October 2012

Eek!  So sorry you’re going through this.  I hope you get your money back soon and something like this never happens again.  How scary.

Post # 5
Member
3580 posts
Sugar bee
  • Wedding: August 2012

Happened to me too.  YES, go to the police station and file a police report.  No, they will NOT investigate something that is $1k but if they do catch someone in the future, at least they will have yours on file to ask them about and possibly match them to.Although you can’t prove who it was, it protects you in the future should there be eroneous credit accounts defaulting – you would need this piece of paper to prove you did everything in your power to correct.  I would also have Chase issue something on letterhead saying that you weren’t responsible in case you need to know historical context in the future.
Also, never use a debit card as debit.  Always choose ‘credit card’ because then it is backed by visa/MC/amex (and they’re insured for theft), whereas you have to argue with your bank that you didn’t use the card.

Post # 7
Member
1736 posts
Bumble bee

@WillyNilly:  Excellent advice – I never knew that using it as the credit card when running a POS purchase covers it that way!

Post # 8
Member
2232 posts
Buzzing bee
  • Wedding: September 2012

Yup! Had this happen twice in the last 6 months! Luckily no one made any charges on my card. This is why I only use my credit card now. It’s much easier to get refunded if someone steals my CC information than a debit card.

Good luck!! I hope you get all of your money back!

Post # 10
Hostess
18637 posts
Honey Beekeeper
  • Wedding: June 2009

File the police report.  You want to be covered in case the bank decides this isn’t fraud.  Also, the more people report things, the more likely they are to find the criminals who did this.

You might want to consider putting a fraud alert on his credit in case they got other information and want to open other accounts in his name.  He will have to verify his identity if he wants to get any kind of credit for a while though but it stops anyone else from opening accounts in his name.

@Ms. Martian: I agree, I never use my debit card except at the bank or Aldi.  I’d rather just have to pay less on my credit card bill because of charges than not have money in my bank account for a week or two.  When money was stolen from my account it took over 2 weeks to be put back!

Post # 12
Member
680 posts
Busy bee
  • Wedding: February 2012

Sorry you guys have to deal with this! I’ve had this happen and I know it sucks! Yell

Post # 13
Member
166 posts
Blushing bee
  • Wedding: November 1999

My debit card was used fraudulently also.  My information was obtained from a breech on a grocery store chain.  I discovered it quickly (I check my bank acct everyday) and the bank gave me no problem refunding the loss.  

Post # 15
Hostess
18637 posts
Honey Beekeeper
  • Wedding: June 2009

@misskarianne:  I would call their fraud department to get the ball rolling.  It wasn’t that easy for us but maybe they have ways of tracking in order to prove it isn’t you.  We had to file the police report before they would even consider returning it and they wanted to verify that we didn’t make the charges.

Post # 16
Member
3580 posts
Sugar bee
  • Wedding: August 2012

@MrsSaltWaterTaffy:  Oh ya!!  I totally forgot about that (edit – fraud alert).  Thanks!

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